Comprehensive coverage provides coverage for costs due to damage by any process such as vandalism, weather, animals, theft etc.
Usually the vehicle becomes unusable after accident. The insurance company pays the expenses incurred for towing and other roadside assistance under towing insurance coverage.
After an accident you may have to rent a vehicle till the insurance company pays you for the vehicle damage or replaces your vehicle. The rental cost will be borne by the insurance company under rental coverage.
During accident if you damage somebody´s property or his vehicle, the costs incurred such as repair/replacement of third party vehicle, medical costs of third party etc will be borne by the insurance company under liability insurance coverage. If somebody else is driving your car then he is also covered under your insurance. However if you are driving someone else´s car then you will be covered by that vehicle´s insurance and not your vehicle´s insurance. However a non-owners insurance policy provides that flexibility also.
If the third party is at fault in the accident then his insurance has to bear the cost. However if the third party is under insured and is not in a position to pay the costs, then your own insurance will bear the expenses if you have under insured coverage.
If you are renting your home then household insurance is usually your landlord's responsibility which means that you, the tenant, need only take out contents insurance to insure your possessions. It is wise to check your lease to make sure your landlord is insured and that you will not have to pay for repairs to damages that you should not have to pay for. Anyone who has purchased a home will be familiar with home insurance as it is compulsory for anyone applying for a bond. Home insurance will not cover your possessions or the contents of your home, you will need to get contents insurance for that. Many insurance companies offer comprehensive policies where household and contents can be insured together. It is important to remember that not all household insurance policies automatically include your geyser which means you will have to insure it separately. Because burst geysers are such a common phenomenon, it is important that you insure it.
As with any type of insurance you are considering taking out, it is vital that you study the rules of the various policies offered by a number of respectable insurance agencies. Do not simply go for the first one you find as household insurance policies differ as far as their inclusions and exclusions go. Then there is the matter of semantics: when some insurance companies use the term "household insurance" they are referring to the contents of your home and not the home itself, so be sure you understand what type of insurance is being referred to.